Archives for March 2013

Many homeowners look back on 2006 house values and wonder why they didn’t sell at the height of the market. They lament the money they may have lost by not selling. However, there is another side to that story. If they did sell back in 2006, they would have still needed to live somewhere.

Looking back at the euphoria that permeated the real estate market at the time, many may have sold and moved into an even nicer, more expensive home. With the benefit of 20/20 hindsight, we can now calculate the financial consequences of such a move.

Let’s look at a house that would have cost $400,000 in 2006. For the sake of this example, we are going to assume that values in this region dropped 25% since. To compute total cost (principal and interest payment) we needed to research mortgage interest rates at the time also.

Here is the comparison:

You saved over $1,100/month on your mortgage payment. Maybe it wasn’t horrible that you didn’t sell in 2006. Perhaps, it was a great decision!

My husband and I have been working on the internet since 2006 at which time he started his coaching site to help home inspectors market their business (Home Inspection Marketing Center – www.homeinspectionmarketingcenter.com). We just don’t realize the potential of our computers, which we use day in and day out while on the internet.

Here is some information about ENIAC: ENIAC is an acronym for ‘Electronic Numerical Integrator and Computer’. Visitors to Philadelphia can still see ENIAC on display at the University of Pennsylvania.

“…With the advent of everyday use of elaborate calculations, speed has become paramount to such a high degree that there is no machine on the market today capable of satisfying the full demand of modern computational methods.” – from the ENIAC patent (U.S.#3,120,606) filed on June 26, 1947.

In 1946, ENIAC, the first general purpose electronic, digital computer was completed at the University of Pennsylvania. It occupied more than fifteen hundred square feel and weighted thirty tons. It contained about eighteen thousand vacuum tubes. Today, its entire capacity would fit on an integrated circuit the size of a lapel pin…

It is amazing how far computer technology has come since 1946. Today we truly take our computers for granted. Most households have more than two computers and some young people are building computer…my son, who is 21, built his first gaming computer when he was 15 years old and, when we want a custom computer that will ‘scream with power’ we get him to build it for us!

Only two things are completely certain in life. First of all, everyone has to die eventually. Two, time will catch up to you as you show your age. Read this article to learn more about getting older well.

TIP! Don’t frown if you want to avoid wrinkles. While this may be silly, it is a fact.

You can save yourself quite a few wrinkles by not frowning. It may seem a little silly, but it’s true. When you feel a frown coming, give yourself a pinch to remind yourself to smile instead. In time, you will stop this habit.

Never stop learning. The elderly are often looked up to for wisdom, so don’t ever stop educating yourself. Whether you take a course on computers or do one of those tricky newspaper puzzles, your mind will constantly be at work and gaining knowledge.

Following a balance diet is one of the most important things you can do as you age. A balanced diet consists of fruits, vegetables, grains, protein, and foods that contain unsaturated fat. This is how you can give your body the proper nutrients it needs to remain healthy.

Your home should be much more than a house; make it yours. When you get older, you may find you have to downsize your house to a smaller home or an apartment. If you find yourself in a new living arrangement, look for ways to surround yourself with the things that you love most.

TIP! Step up your workout routine. As your body gets older, it needs to stay active more to remain strong and flexible.

Get the recommended amount of sleep each day. Make sure you get between seven and nine hours of sleep every night. Not getting enough sleep can actually cause mental and physical illnesses, such as depression and heart problems.

To improve your skin while getting older, stay away from foundation and powder makeup. As you age, your skin will need more hydration than it used to, so this is really important. Consider ways that simpler cosmetics like eye liner, lip gloss and mascara could work into your life style.

TIP! No matter where you live, give your living space a personal touch to make it feel like your own. As we age, sometimes we feel that our home is not what it used to be.

Life is something you should love. Utilize the same goal-setting skills you used with your kids when they were young. Achieving these goals will help keep you feeling young and proud.

Don’t hang around grouch, negative people.Surround your self with positive, cheerful friends instead. The more you smile and laugh, the younger you will look and feel. You will want to surround yourself with people that make you laugh rather than make you frown.

TIP! A true, lifelong friendship offers energy, love and emotional sustenance to live happily. A person is never too old to build new friendships.

Maintaining hormonal balance is of increasing importance as people age. Insomnia, depression and weight gain are all symptoms of a hormonal imbalance during the aging process. These issues can create further health problems and increase the negative effects of getting older. Consult your physician for the best advice on how to control hormone imbalances. This can benefit your later years in tremendous ways.

We all get a little bit older every day and there isn’t a single thing you can do to stop it. So make sure that you’re also getting wiser as you get older. Be sure that you’re using the tips provided to you in the article above to do the little things to ensure that you age well and avoid complications.

You or a family member or friend could very well be banking on a big federal income tax refund this tax season. And if so, scammers know that one way to get your attention is to send an email with the subject line…”Income Tax Refund Rejected.”

Would that get your attention? But Hold On! Don’t panic…and DO NOT click on any of the links or even open the email!

The Internal Revenue Service is not emailing such notices…in fact, if you read the email closely at one point it says it’s from the ‘Internal Revemue Service’…What exactly is Reve-mue?

Yes, bad typing continues to be a clue to a con…

Don’t open any email that comes from the IRS, the IRS doesn’t send emails about your refund…they will never send you an email asking about your personal information or informing you of a refund.

What do you do if you get this type of email?

Don’t Reply

Don’t Open Any Attachments – They may contain malicious code that will infect your computer